Progressive Insurance Review: Discounts Are Key
- Many discounts for auto, home and renters
- Great bundling discount
- Cheap rates for drivers with a DUI
- Good online experience
- Available in all 50 states
- Rates are just average
- Few add-on coverages for home
- Poor customer service rating
Is Progressive a good company?
Progressive is a good company if you qualify for some of its many discounts or if you want to customize your policy. Discounts are important with Progressive because its auto, home and renters insurance rates are often higher than most other companies.
Along with many discounts, Progressive offers several optional car insurance coverages that let you change your policy to fit your needs.
Progressive’s app and website are easy to use and helpful, but its customer service and complaint ratings could be better.
How much does Progressive car insurance cost?
Progressive car insurance costs $160 per month for full coverage
Progressive car insurance rates vs. other companies
| Company | Full coverage rate | LendingTree score | |
|---|---|---|---|
 | Progressive | $160 |  |
 | USAA* | $125 | |
 | Erie | $131 | |
 | Country Financial | $134 |  |
 | Travelers | $135 |  |
 | State Farm | $144 | |
 | American Family | $146 | |
 | Geico | $173 |  |
 | Nationwide | $190 |  |
 | Farm Bureau | $195 | |
 | Amica | $235 | |
 | Allstate | $248 | |
 | AAA | $255 |  |
 | Farmers | $258 | |
Progressive car insurance rates for a bad driving record
Drivers with an accident or speeding ticket on their records usually pay more for car insurance from Progressive than they would with other top companies.
However, Progressive offers cheaper DUI insurance rates than average, at $208 per month, for those with a conviction for driving under the influence on their record.
Car insurance rates with a bad driving record
| Company | Clean record | Ticket | Accident | DUI |
|---|---|---|---|---|
| Progressive | $160 | $213 | $238 | $208 |
| USAA* | $125 | $153 | $174 | $248 |
| Erie | $131 | $143 | $186 | $217 |
| Country Financial | $134 | $169 | $182 | $428 |
| Travelers | $135 | $181 | $195 | $224 |
| State Farm | $144 | $156 | $163 | $343 |
| American Family | $146 | $173 | $237 | $270 |
| Geico | $173 | $233 | $296 | $404 |
| Nationwide | $190 | $244 | $299 | $416 |
| Farm Bureau | $195 | $222 | $266 | $362 |
| Amica | $235 | $252 | $365 | $830 |
| Allstate | $248 | $295 | $406 | $379 |
| AAA | $255 | $365 | $418 | $542 |
| Farmers | $258 | $338 | $400 | $434 |
Car insurance companies look at more than your driving record when they create a quote for you. They also usually look at your:
- Age
- Marital status
- Location
- Vehicle make and model
- Insurance claims history
This is one of the main reasons why you should compare car insurance quotes from a number of different companies before you buy or renew a policy.
Progressive car insurance rates for teens
If you’re a teen driver, Progressive is one of the more expensive car insurance companies. Progressive’s average teen car insurance rate is $601 per month, which is 21% higher than the industry average of $497 per month for an 18-year-old driver.
Teen car insurance rates among top companies
| Company | Full coverage for a 30-year-old | Full coverage for an 18-year-old |
|---|---|---|
| Progressive | $160 | $601 |
| USAA* | $125 | $307 |
| Erie | $131 | $290 |
| Country Financial | $134 | $250 |
| Travelers | $135 | $441 |
| State Farm | $144 | $396 |
| American Family | $146 | $569 |
| Geico | $173 | $444 |
| Nationwide | $190 | $602 |
| Farm Bureau | $195 | $448 |
| Amica | $235 | $842 |
| Allstate | $248 | $679 |
| AAA | $255 | $664 |
| Farmers | $258 | $827 |
Progressive car insurance quotes by state
Progressive has the cheapest full coverage rates in seven states among the largest car insurance companies.
Average cost of Progressive car insurance in each state
| State | Full coverage | Liability only |
|---|---|---|
| Alabama | $157 | $76 |
| Alaska | $126 | $52 |
| Arizona | $145 | $82 |
| Arkansas | $199 | $52 |
| California | $134 | $49 |
| Colorado | $249 | $69 |
| Connecticut | $280 | $157 |
| Delaware | $178 | $111 |
| Florida | $379 | $122 |
| Georgia | $121 | $64 |
| Hawaii | $144 | $62 |
| Idaho | Not available | Not available |
| Illinois | $126 | $66 |
| Indiana | $103 | $48 |
| Iowa | $89 | $15 |
| Kansas | $179 | $65 |
| Kentucky | $165 | $89 |
| Louisiana | $255 | $73 |
| Maine | $87 | $33 |
| Maryland | $185 | $131 |
| Massachusetts | $135 | $86 |
| Michigan | $134 | $64 |
| Minnesota | Not available | Not available |
| Mississippi | $143 | $41 |
| Missouri | $170 | $62 |
| Montana | $191 | $55 |
| Nebraska | $136 | $36 |
| Nevada | $238 | $100 |
| New Hampshire | $130 | $61 |
| New Jersey | $187 | $120 |
| New Mexico | $210 | $115 |
| New York | $104 | $60 |
| North Carolina | $70 | $44 |
| North Dakota | $126 | $35 |
| Ohio | $103 | $56 |
| Oklahoma | $99 | $31 |
| Oregon | $109 | $54 |
| Pennsylvania | $197 | $76 |
| Rhode Island | $163 | $71 |
| South Carolina | $169 | $65 |
| South Dakota | $94 | $15 |
| Tennessee | $163 | $71 |
| Texas | $214 | $97 |
| Utah | $142 | $80 |
| Vermont | $96 | $41 |
| Virginia | $175 | $107 |
| Washington | $167 | $64 |
| Washington, D.C. | Not available | Not available |
| West Virginia | $158 | $82 |
| Wisconsin | $209 | $49 |
| Wyoming | Not available | Not available |
Minimum coverage car insurance, also known as liability coverage, covers injuries and damage you cause to others in an accident.
Full coverage car insurance policies include liability coverage, as well as protection for your car if it’s damaged.
Progressive car insurance discounts
Progressive offers several car insurance discounts that may help bring down your rate.
If you bundle auto and home insurance with Progressive, for example, you could save an average of 7% on your auto policy.
And if you’re a good driver, you should consider the Progressive Snapshot program. When you’re enrolled in the Snapshot program, your car insurance rate can go up or down based on your driving habits. Driving less and not using your phone while driving can lower your car insurance rate. The average savings for drivers enrolled in this program is $322 a year.
Progressive also offers several other car insurance discounts:
- Multi-policy
- Continuous insurance
- Teen driver
- Good student
- Distant student
- Homeowner
- Multi-car (average savings of 12%)
- Online quote (average savings of 7%)
- Sign online (average savings of 10%)
- Paperless
- Pay in full
- Automatic payment
Progressive car insurance coverage
Along with standard car insurance coverage, like liability
- Loan/lease payoff: Protects you if your leased or loaned car is totaled or stolen. In these cases, Progressive may cover the cost difference between the amount you owe and the value of the car, up to 25% of what it was worth before it was stolen or totaled.
- Rental car reimbursement: If you’re in an accident, Progressive may pay for your rental car, up to your limits.
- Roadside assistance: With roadside assistance, Progressive can help you get back on the road or have your car towed if it stops running.
- Custom parts and equipment value (CPE) coverage: This coverage will cover custom parts and equipment that you add to the car, up to a limit. This includes stereos and custom wheels.
- Rideshare coverage: If you drive your car for a ridesharing company such as Uber or Lyft, Progressive can protect you while you’re on the app and waiting for a rider or delivery request.
How much does Progressive homeowners insurance cost?
Home insurance from Progressive costs $2,648 a year, on average. This is 5% cheaper than the national average rate of $2,801 a year.
Progressive home insurance rates vs. other companies
| Company | Annual rate | LendingTree score |
|---|---|---|
| Progressive | $2,648 | |
| Erie | $2,055 | |
| State Farm | $2,427 | |
| USAA* | $2,507 | |
| Allstate | $2,560 | |
| Chubb | $2,606 | |
| Country Financial | $2,827 | |
| Nationwide | $3,055 | |
| American Family | $3,072 | |
| Travelers | $3,149 | |
What you pay for home insurance depends on several factors, such as where you live, the age of your home and your insurance claims history. Each company treats these factors differently, which is why quotes can vary so much from company to company.
To get your best rate, compare home insurance quotes from a number of companies when you shop around or your policy is up for renewal.
Progressive home insurance rates by state
Progressive’s home insurance rates can differ a lot depending on where you live.
In Louisiana, Progressive’s average rate is $1,865 a year. Compare that to Florida, where the company’s average rate is $3,786 a year.
Average Progressive home rates by state
| State | Average annual rate |
|---|---|
| Louisiana | $1,865 |
| Georgia | $2,061 |
| Indiana | $2,880 |
| Florida | $3,786 |
Home insurance discounts from Progressive
Progressive has many discounts that can help you save money on your home insurance coverage. These include discounts for:
- Bundling home and auto policies
- Installing security systems
- Getting a quote before you buy
- Buying a newly constructed home
- Signing up for e-billing
- Paying your premium in full
Progressive home insurance coverages
Progressive offers the standard home insurance coverages, including:
- Dwelling coverage: Protects the structure of your home, as well as attached structures.
- Other structures: Covers detached garages, patios, fences and driveways against covered risks and events.
- Personal property: Your clothes, furniture, electronics and other belongings are covered. Expensive items like jewelry and art may also be covered, though often at a lower limit.
- Liability: Helps protect you if you cause injuries or property damage to others.
- Medical payments: Covers the medical-related expenses of people injured in your home, no matter who is at fault.
- Loss of use: Pays for some extra expenses if you need to relocate while your home is being repaired. This includes meals, rent and commute cost increases.
Progressive also offers these optional home insurance coverages:
- Water back-up and sump discharge or overflow: If your sump backs up and damages your belongings, this add-on coverage pays to replace them. It also covers water removal.
- Personal injury: This coverage handles legal expenses tied to things like libel or slander, malicious prosecution and wrongful eviction.
How much does Progressive renters insurance cost?
Progressive renters insurance costs $234 a year, or $19 a month, on average. This is 6% higher than the national average of $18 a month.
Progressive renters insurance rates vs. other companies
| Company | Monthly rate | LendingTree score |
|---|---|---|
| Progressive | $19 | |
| State Farm | $11 | |
| Lemonade | $12 | |
| Allstate | $17 | |
| Amica | $17 | |
| Assurant | $22 | |
| Farmers | $23 | |
| American Family | $27 | |
Renters insurance discounts from Progressive
With Progressive, you can lower the cost of your renters insurance policy by getting discounts for:
- Bundling your auto and renters insurance
- Buying a renters insurance policy at least three days before the start date
- Signing up for email documents
- Paying your annual premium in full
- Living in a gated community
What Progressive renters insurance covers
Progressive renters insurance covers personal property, loss of use, personal liability and medical payments if someone is injured on your property.
Progressive also offers add-on coverage for water backup damage and personal injury.
Progressive vs. other insurance companies
Progressive is better than Allstate and Geico for car insurance. It doesn’t do as well against State Farm, which often has cheaper rates. Progressive usually has cheaper DUI insurance rates than all three companies, however.
Allstate and State Farm usually have cheaper home insurance rates than Progressive. But Progressive’s discounts could make a difference if you get a few.
Progressive vs. State Farm
State Farm has cheaper car insurance rates than Progressive for most drivers, though Progressive is cheaper if you have a DUI.
State Farm also offers the cheapest home insurance rates between the two companies. Progressive has more home insurance discounts that could make it more affordable, however.
Progressive is better than State Farm for car insurance if you need gap coverage
Progressive vs. Geico
Between Progressive and Geico, Progressive has the cheapest car insurance rates for most drivers, though Geico has cheaper rates for teens.
Geico is better than Progressive for car insurance discounts, however, and offers several that are easy to get. This includes discounts for automatic payments, receiving documents through email and starting your quote online.
But you can get more add-on coverages from Progressive, such as coverage for custom parts
Progressive vs. Allstate
Progressive’s car insurance rates are much cheaper than Allstate’s for all driver and coverage types. Progressive also is better than Allstate for car insurance discounts and add-ons.
For homeowners insurance, Allstate is slightly cheaper than Progressive. Allstate also has more home insurance coverage options than Progressive. Both companies offer several ways to save money on your home policy.
How we obtained insurance rates
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of auto and home insurance quotes. Renters insurance rates were evaluated separately.
Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2018 Honda CR-V EX.
Car insurance coverage limits
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $50,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Medical payments: $1,000
- Collision: $500 deductible
- Comprehensive: $500 deductible
Homeowners insurance coverage limits
Homeowners insurance rates are based on policies with the following coverage and deductible amounts:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
Renters insurance coverage limits
Renters insurance rates are based on policies with the following coverage and deductible amounts:
- Personal property coverage: $20,000
- Deductible: $500
- Personal liability: $100,000
- Guest medical protection: $1,000
- Loss of use: $9,000
How we evaluated insurance companies
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
*USAA is only available to current and former members of the military as well as certain family members.